Comprehensive Local Credit Card Guide

Credit Cards in 35816 (Huntsville, AL)

Credit Card Debt in 35816

^ Average credit card debt in 35816 is approximately $4,817, based on overall Alabama data. ^[1]

Credit Card Delinquency in 35816

^ Based on overall Alabama data, the credit card delinquency rate in Huntsville is approximately 0.77%. ^[2]

Credit Scores in 35816

^ The average credit score in Huntsville is approximately 675, based on collective Alabama data. ^[3]

Credit Card & Personal Finance Statistics in 35816

Credit Card Debt in 35816

35816 Credit Card Debt
- The estimated average credit card debt for 35816 residents is $4,817. ^[1]
- Average credit card debt amount in Alabama (all cities) is 3% less than the national average of $4,965.
- Collectively, Alabama cities rank 27th in the U.S. in average credit card debt. ^[1]

Credit Card Calculator for 35816

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35816 Credit Scores

Credit Scores in 35816
- Residents of 35816 (AL) have an estimated average credit score of 675. ^[3]
- The average credit score in Alabama (all cities) is 3.02% less than the national average score of 696.
- Alabama collectively ranks 46th in the U.S. in average credit score of residents. ^[3]

More 35816 (Huntsville, AL) Credit Stats

Credit card delinquency rates in Alabama ^[2]
- Alabama residents (all cities) rank 2nd in the U.S. with a rate that is 35% greater than the national average of 0.57%.

Cardholders in 35816 who are more than 90 days late on payments
- Alabama Rate: 0.77%
- National Average: 0.57%

Statute of limitations for credit card debt in 35816 ^[4]
- 35816 (Alabama) Law: 3 years
- U.S. State Average: 5.4 years

Credit Card Complaints in or near 35816 (Huntsville, AL)

Recent credit card complaints originating from consumers in 35816, AL. Local consumers submitted these credit card complaints to the Consumer Financial Protection Bureau (CFPB). The date of the complaint, type of complaint and status of the inquiry are listed below.^[5]

Consumer Complaints by Issue in 35816

Complaint Issue	Number of Complaints*
Incorrect information on your report	134
Improper use of your report	87
Problem with a company's investigation into an existing problem	40
Problem with a credit reporting company's investigation	17
Attempts to collect debt not owed	11
Other	13

* Total 2021 - 2024 (current)

Additional information about Alabama

About 35816

35816 is associated with the city of Huntsville, which is located in Madison County in the state of Alabama. ^[6]

35816 Credit Cards

For more information about 35816 credit cards, or for additional resources regarding credit cards overall, visit Consumer Financial Protection Bureau.

Did you know?

The credit card hologram was first introduced by MasterCard in 1983 in an effort to combat counterfeit and fraudulent activity.

Other ZIP Codes in Alabama

Cities in AL

References

1. ^ The Washington Post

2. ^ TransUnion

3. ^ Equifax

4. ^ Alabama State Legislature

5. ^ Consumer financial complaints in 35816

6. ^ United States Census Bureau